ETF Overlap Checker
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ETF Overlap Checker

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AGG vs TLT Overlap

Both funds come from IShares. AGG is a fixed-income ETF, while TLT is a fixed-income ETF. AGG and TLT show limited overlap, with an estimated weighted overlap of 6.35%. They share 46 holdings in the loaded dataset, led by 066922477, 912810UA4, and 912810TV0.

6.3% overlap
#
46Shared Holdings
OK
Low Overlap

Freshly computed.

Quick Answer

Both funds come from IShares. AGG is a fixed-income ETF, while TLT is a fixed-income ETF. AGG and TLT show limited overlap, with an estimated weighted overlap of 6.35%. They share 46 holdings in the loaded dataset, led by 066922477, 912810UA4, and 912810TV0.

  • 6.35% weighted overlap across 46 shared holdings.
  • The top three shared holdings explain 25.56% of the measured overlap.
  • AGG and TLT are closer in breadth than a broad-vs-niche ETF pair.
  • The overlap is mostly explained by the top shared positions rather than sector labels alone.
  • Holding both can still add materially different exposure.

Data Freshness

AGG holdings
Jul 18, 2026
TLT holdings
Jul 18, 2026
Overlap computed
Jul 19, 2026
Data source
Financial Modeling Prep

Review the methodology for the overlap formula and refresh policy.

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About These ETFs

ETF A

AGG

iShares Core U.S. Aggregate Bond ETF

Issuer
IShares
Asset class
Fixed Income
Expense ratio
0.03%
AUM
$139B
Inception
Sep 22, 2003

ETF B

TLT

iShares 20+ Year Treasury Bond ETF

Issuer
IShares
Asset class
Fixed Income
Expense ratio
0.15%
AUM
$43B
Inception
Jul 22, 2002

What Stands Out In This Comparison

01

What This Means

Both funds come from IShares. AGG is a fixed-income ETF, while TLT is a fixed-income ETF. AGG and TLT do not own much of the same portfolio weight. That usually means you are combining different parts of the market, with only a small amount of duplication through names like 066922477, 912810UA4, and 912810TV0.

02

How They Differ

Both funds come from IShares. AGG is a fixed-income ETF, while TLT is a fixed-income ETF. Neither fund clearly dominates on breadth, so the practical difference is more about weighting, index construction, and cost. AGG has the lower expense ratio, while TLT charges more for its exposure.

03

What Drives The Overlap

The overlap is driven by a relatively small set of large shared positions. The top three shared holdings account for 25.56% of the score, which means the result is heavily influenced by the biggest common weights rather than a long tail of tiny positions.

04

When One May Fit Better

Because AGG and TLT are closer in breadth, the better fit usually comes down to index methodology, issuer preference, and cost. AGG has the lower expense ratio, while TLT charges more for its exposure.

Overlap Driver Snapshot

Concentration

The top three shared holdings explain 25.56% of the full overlap score.

That helps show whether the score comes from a handful of giant shared positions or from a broader mix of common holdings.

Shared Sector Tilt

Sector tags are not consistently available for the biggest shared positions in this dataset, so this comparison leans more on the specific holdings than on sector labels.

Top Shared Holdings

These are the holdings contributing the most to the overlap score between AGG and TLT.

HoldingNameAGG Wt.TLT Wt.Overlap
066922477BLACKROCK CASH FUNDS TREASURY SL AGENCY SHARES3.71%1.15%1.15%
912810UA4United States Treasury0.24%4.40%0.24%
912810TV0United States Treasury0.23%4.50%0.23%
912810TX6United States Treasury0.22%4.03%0.22%
912810UC0United States Treasury0.22%4.25%0.22%
912810UM8United States Treasury0.21%2.90%0.21%
912810UK2United States Treasury0.21%4.46%0.21%
912810UG1United States Treasury0.21%3.80%0.21%
912810UE6United States Treasury0.21%3.46%0.21%
912810TT5United States Treasury0.19%4.58%0.19%

Why These ETFs Overlap

Both funds come from IShares. AGG is a fixed-income ETF, while TLT is a fixed-income ETF. The overlap exists because both funds allocate meaningful weight to the same holdings. In this dataset, the biggest shared drivers are 066922477, 912810UA4, and 912810TV0, which appear in both portfolios and push the overlap score higher.

Holding both AGG and TLT can make sense if you want exposure to different sleeves of the market. The overlap is small enough that both funds may still improve diversification.

Related Comparisons

AGG vs BND->BND vs TLT->AGG vs DGRO->DGRO vs TLT->

Frequently Asked Questions About AGG and TLT

What is the overlap between AGG and TLT?+
AGG and TLT currently show an estimated weighted overlap of 6.35% based on the loaded holdings data.
How many holdings do AGG and TLT share?+
They share 46 holdings in the current dataset.
Is the AGG and TLT overlap high?+
The current verdict is Low Overlap. That means the two ETFs have limited duplication in portfolio weight.
Why do AGG and TLT overlap?+
AGG and TLT overlap because the same large positions appear in both funds. In this comparison, the top three shared holdings explain 25.56% of the measured overlap score.
Which ETF is broader, AGG or TLT?+
AGG and TLT look closer in breadth than a broad-vs-niche pair, so the main difference is more about strategy and weighting than simple market coverage.

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How Overlap Is Calculated

A straightforward approach used by portfolio analysts.

Overlap = sum(min(Weight_A, Weight_B)) for each shared holding

For every stock that appears in both ETFs, we take the smaller of the two weights. Adding up all those minimums gives the total overlap percentage. A score of 100% means the two ETFs hold the exact same stocks in the same proportions.

Want the full explanation? Read the methodology page.

Looking for another pair? Start from the homepage or open the canonical URL for this comparison at /compare/AGG-TLT.